The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Mar. 05, 2024
Filed:
May. 06, 2022
Early Warning Services, Llc, Scottsdale, AZ (US);
Paul Finch, Scottsdale, AZ (US);
Lou Anne Alexander, Scottsdale, AZ (US);
EARLY WARNING SERVICES, LLC, Scottsdale, AZ (US);
Abstract
A system including one or more processors, a merchant account database including a plurality of merchant identifiers being associated with a plurality of merchants, a transaction database, and one or more non-transitory computer-readable media storing computing instructions that, when executed by the one or more processors, cause the one or more processors to perform certain acts. The acts can include receiving, at the system and from a mobile device being used by a consumer, a request including a merchant identifier of the plurality of merchant identifiers; determining, at the system and using the merchant account database, first information including a second account identifier for a second account of the merchant at the second financial institution; sending the first information from the system to the first financial institution; receiving in real time over a network, at the system and from the first financial institution, payment information regarding a payment to the second account from a first account of the consumer at the first financial institution to pay the merchant the payment amount for the one or more items; logging the payment information in the transaction database; and sending in real time over the network, from the system to the merchant, a notification of the payment from the consumer to the merchant. Other embodiments are described.